Thanks for the followup responses.
I called my Humana rep this morning, asking about more detailed cost figures to move from my Humana Advantage plan to a Plan F, G, or N.
The Deets :
Based on my age & zip code, I was given these monthly costs, pending a physical --
Plan F -- $196 to $225
Plan G -- $163 to $187
Plan N -- $131 to $157
All plans would require a Part D for Rx, the lowest cost is $40 per month (way too much for my Tier 1 Generic scripts).
My Other Observations :
Humana's Licensed Insurance Sales Rep was pushing the Advantage Plan very hard. "It covers MORE than any of the Medigap Plans" was her repeated response to my questions.
She said there was No Household Discount, at least at Humana.
She also got a little huffy when I started asking for details on Coverages. "I have people On Hold," says she. "I waited On Hold too," says I.
I have a sit-down with an Independent Sales Rep soon. He has helped DW navigate the ACA world in the past....in Feb of next year DW starts Medicare.